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Looking to refinance or consolidate your existing loans?

Our quick application will get your sorted in no time. Our goal is to help you reach yours.*

What it offers

  • Get eligibility approval in seconds with our online loans.
  • Great fixed interest rate, giving you the same repayment each month allowing you budget with confidence.
  • No set-up or early repayment fees
  • Borrow up to €75,000
Consolidating your Credit into one loan may work out more expensive further down the line as you extend the term of your loan and incur more interest. 

Get a fast and fair refinance loan

Fast track your Loan

Applying for a loan is a quick and simple process. You will need the following:

Proof of ID

All four corners must be visible e.g Passport / Driver's Licence

Proof of Address/Income

Up to date bank statements are required

Proof of PPSN

e.g recent payslips can be used as proof of PPSN.

Additional details may be required. Read our FAQs for more information on the application process. 

Loan calculator

 year

Repayments on a loan of over would be

per month

Ready to move on?

Our interest rates

We will assign you the appropriate rate based on your financial profile and credit history once your application has been reviewed. To find out more about the Loan Value and applicable Interest Rates take a look at our rate table below.

Loans from Fixed interest rate APR
€5,000 - €7,499 10.9% - 14.3%
€7,500 - €14,999 9.5% - 12.7% 9.9% - 13.5%
€15,000 - €19,999 9.1% - 12.2% 9.5% - 12.9%
€20,000+ 5.7% - 11.8% 5.9% - 12.5%

On a €20,000 loan over 5 years, at a fixed rate of 5.7% (5.9% APR) you will pay €383.87 a month. Total cost of credit €3,032.34. Total amount repayable €23,032.34

Save money and go green

Get our special loan rates for home energy upgrades and electric cars.
Improve your comfort at home or on the road - and help the environment.

Visit our Green Hub

Things to know

*Rates and loan terms are correct as of 4th March 2020 and are subject to change. Rate is dependent on your financial profile and credit history. Maximum APR (Annual Percentage Rate) is 14.3%. Minimum loan term is 12 months and maximum term is 84 months (for Home Improvement loans only, subject to a minimum loan value of €20k). Source CCPC.ie. On a €20,000 loan over 5 years, at a fixed rate of 5.7% (5.9% APR) you will pay €383.87 a month. Total cost of credit €3,032.34. Total amount repayable €23,032.34. Lending criteria, terms and conditions apply
 

Warning; If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

An Post acts as a credit intermediary on behalf of Avantcard DAC. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland. Avantcard DAC is a designated activity company incorporated in Ireland under number 541980 and having its registered office at Dublin Road, Carrick-on-Shannon, Co Leitrim.